Okay, in my opinion definitely you're prioritizing a certain kind of optics over reality here.

Let's say, 2018 you bought ABC with price 100 USD.

2022 you bought ABC with price 230 USD.

Now (2024) the price is 250 USD. You anticipate a correction. Imagine you have perfect ability to tell the future, you know that price will drop to 215 USD later this year.

Your intention is to sell all your 2022 units to 'reset' that tranche, gain a bit of profit, and once correction you can re-enter. But your 2018 units you want to hold so that you can 'let winners run'.

(If anything wrong with above simple example please make corrections).

What I (and some others) are saying is that none of the above matters except for annual tax reporting. And what I'm saying in addition is that if you sell ALL your units now (at 250 USD) you have already made 150% on your 2018 units. Re-entering at a higher entry price would not lose you any money. You are LOCKING IN your gains (this can actually be a smart play, depending on the portfolio/horizon), which is objectively a good thing and doesn't affect your fund value at all.

Secondary example, if stock ABS would one day drop to 110 USD price, would you still hold on to it because you bought it cheaper in 2018? If you had sold and bought after correction at a higher entry price would that have convinced you to sell it earlier? In both those cases then you're probably engaging in a form of sunk cost fallacy.

Your buffer is made up, you lose the same amount (on paper and in reality) when there is a correction, WHATEVER your entry price. It does not matter whether you bought in at a low or high price, the stock price change means you have already lost value. See my last example targetted exactly at this scenario, also illustrating why a very early/cheap buy in price may actually be hindering your earnings.

What you're actually talking about is just pure psychology. If you kept the earlier 'batch' you can tell yourself (oh I'm still in the green), but if you had taken profit then you feel bad about yourself cos you see red. Both are deceiving yourself, and both totally ignore that by selling and locking in profit you have ALREADY received the profit.

Car prices already done the shooting up last couple of years, margins should be pretty comfortable now (see all the discounts being offered at point of sale).

MBB SG bank account got minimum balance 500 SGD I think - otherwise will charge you every month. Not recommended due to that.

WISE can receive more than 20k but cannot store more than 20k. If you haven't set a default account to receive it from WISE, they will just freeze your entire account. So you need to set an account for withdrawal from WISE, when they receive larger amount than 20k they will auto transfer it to that account (and charge you the withdrawal fee I believe).

Yes, you should set your bank account details in WISE.

And please learn to multi-quote.